| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L GOBLE5 Filed as: ROBERT HARLING | 1 ISBELL CT GREENVILLE, SC 29607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $89K | $89K | 8.08% |
| CONSOLIDATED PLANNING HOLDINGS3 | 3 MONGIN WAY OKATIE, SC 29909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $30K | $30K | 2.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| NEEDLES & ASSOCIATES, LLC. EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| BENEFIT SOURCE, INC NONE | Plan Administrator; Direct payment from the plan Service code 14 | 304 RIDGELAND DR GREENVILLE, SC 29601 | $16K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY- SKYWARD INSURANCE | 1,912 | $792K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,590 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,912 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.